Dear CustomerAll through the Christmas period we'll be here for those times when you need us, business as usual with the exception of 25th, 26th December and Tuesday 1st January 2019

If you do need to contact us out of hours, our 24hr emergency contact numbers are here: Emergency Numbers

Thank you for your support and custom in 2018, and we wish you Peace, Health and Prosperity for Christmas and the New Year.

Warm Wishes,
The Management & Staff at Sheridan Insurances

Income Protection Certainty

Safeguarding your most valuable asset - your future.

Replacing your income, when you are unable to work

Call: 049 438 0020 to talk to a financial broker now

Why Sheridan Insurances is the smart choice for Income Protection

Income protection insurance pays out a regular cash payment that replaces part of your lost income if you can’t work due to a medium to long-term illness or disability.

Over time, building your career and accumulating assets to build your family's life and future upon, is what most of us plan to do. However if your ability to do this is cut short through illness or injury then what will happen?

Income protection advice from Sheridan Insurances is aimed at creating income certainty by ensuring a cash flow into your household should the unexpected happen.

Who needs Income Protection?

You may need income protection if you:

- Are self-employed and would have no source of income if you couldn’t work due to illness or disability
- Have little or no sick pay from your employer
- Have no ill-health pension protection
- Have family or dependants who rely on your income
- Have no other source of income
- Do not have sufficient benefits to replace your lost income and/or cover your daily/living expenses

Did you know?

Income Protection is often called ‘Permanent Health Insurance’ (PHI) – however it is not the same thing as private health insurance. Income protection does not cover redundancy. To have income protection insurance cover, you generally have to be in full-time paid work or be self-employed with an earned income.

Income Protection is now one of the most sought after "optional" insurance covers by professional people eg solicitors, accountants, consultants, engineers etc

Most people don't actually realise that Income Protection is relevant to them. It's only when something unforeseen happens, that prevents them from working, and their employer can no longer pay them that the penny drops.

The cost of Income Protection now should be compared to the potential cost of NOT having Income Protection in the future. The factors that determine what you will pay now include:
- The level of cover required - linked to a maximum of 75% of your income
- The length of time you must be out of work due to sickness or disability before your income protection insurance policy pays out.
- Term of the policy

After that, the main factors are your age, health, family medical history, job and lifestyle.

You can get tax relief on your premiums at your marginal (highest) rate of tax, up to a yearly limit of 10% of your total income. This can make premiums more affordable, but remember your benefit will be taxable if you make a claim.

An Income Protection Policy pays out until you can start working again - or until you retire, die or the end of the policy term - whichever is sooner.

Request a Call Back

Would you like to discuss your income protection needs in detail?
Use the form below to send us your contact details and we will call you shortly.

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Call: 049 438 0020 to talk to Audrey or Benny about your income protection now

Income Protection Consultation

For a small fee, you can book an Income Protection Consultation with Audrey or Benny, where we can explore all the options available to you.

Client Support

Claims Contact

Need to make a claim?

Emergency Numbers

Need to access emergency contact numbers?

"The brokers at Sheridan's do all the legwork, finding the best deal for the cover you actually need."

JP Murray, Docuflow

"I have to tell you how smooth the whole operation was, moving over from our old insurance company."

Karen Byrne, St. Ultan’s Special School

"The best price and the confidence that you have received the best overall cover."